Borrowing Capacity Calculator
How much can you really borrow? It is not a guess — it flows from your income, existing debts, the rate and the term. This calculator gives you the number lenders will reach on their side of the desk.
How it works
The maximum monthly payment is (income × max debt ratio) minus existing debts. The loan amount is then the present value of those payments at the given rate and term. The result is your real borrowing capacity.
Worked example
Example: Income €4,000, debts €200, rate 4%, 25 years, ratio 35% → max payment €1,200, capacity ~€227,000.
Recommendations
- Use a conservative ratio (30–35%) even if a lender would stretch further.
- Clear smaller debts first — they cost a lot of capacity.
- Get pre-approved before you start house-hunting.
Tips & advice
- Capacity scales with term: 20 vs 30 years can change it by a third.
- A 0.5% rate move shifts capacity by thousands — lock rates when good.
- Capacity is a ceiling, not a target — leave breathing room for life.
Next steps & suggestions
- Plan the cash needed with the Down Payment Calculator.
- Understand the monthly payment with the Amortization Calculator.
- Check the ratio behind it with the Debt Ratio Calculator.
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Loan Amortization Calculator
A loan's real cost is the interest, not just the monthly payment. This calculator gives you the full picture: the fixed monthly payment, the total repaid and the total interest over the entire term.
Borrowing Capacity Calculator
It is 100% free, private and requires no signup.
Try it nowFrequently Asked Questions
Lenders generally accept a debt-to-income ratio up to 35%, and rarely above 45%. Lower is safer and improves your borrowing capacity.
It calculates a fixed monthly payment where each payment covers interest first, then principal. Over the term, the principal share grows while interest shrinks.
Yes — every calculator is 100% free, with no signup, no limit and no hidden cost.
No. All calculations run instantly in your browser. Your inputs are never sent to a server or saved.
They use standard financial formulas and are ideal for estimates. Actual figures can vary due to taxes, fees and local rules, so confirm critical numbers with a professional.
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